Software Engineer (Backend)

EarnIn is a pioneer in earned wage access, focused on providing financial flexibility to those living paycheck to paycheck. The Backend Engineer will join the Growth Engineering team to design scalable backend services that enhance user engagement and drive growth metrics.ResponsibilitiesDesign and implement backend features that drive EarnIn’s Growth funnel — from onboarding and cross-sell to retention and engagementBuild and maintain scalable, event-driven microservices that enable experimentation, real-time personalization, and data-driven decision-makingCollaborate with Product, Data, and Marketing teams to translate growth hypotheses into technical solutions and run experiments that move key metricsEnsure system performance, scalability, and reliability, particularly under high-throughput and real-time conditionsDevelop automation and testing frameworks to maintain velocity and confidence in continuous integration and deployment pipelinesDebug and resolve production issues, working across multiple service layers to maintain system stability and uptimeProactively identify opportunities to generalize solutions, building reusable infrastructure and APIs that accelerate team developmentPartner with mobile, web, and analytics teams to ensure cohesive end-to-end experiences across platformsSkills1+ years of full-time backend software engineering experience, ideally in distributed or microservice-based systems with a Bachelor's degree or equivalent experienceStrong fundamentals in service architecture and API design, with experience building reliable, performant systems at scaleProficiency in at least one modern backend language, such as Kotlin, Java, C#, or Python, and openness to learning new technologies as neededExperience with SQL databases (e.g., PostgreSQL, MySQL) and familiarity with NoSQL systems is a plusFamiliarity with event-driven patterns (queues, messaging, background jobs) and REST/gRPC servicesCollaborative mindset, with experience working alongside product, data, and design teams to deliver user-facing impactStrong testing and debugging skills, with experience maintaining high-quality services in productionExcellent communication and problem-solving abilities, with a proactive approach to learning and iterationExperience with experimentation frameworks, growth systems, or AI-powered personalization toolsBenefitsHealthcareInternet/cell phone reimbursementA learning and development stipendPotential opportunities to travel to our Mountain View HQCompany OverviewEarnIn is an earnings management company that provides access to earned wages and financial wellness tools. It was founded in 2013, and is headquartered in Palo Alto, California, USA, with a workforce of 201-500 employees. Its website is https://www.earnin.com.



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